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What's the average car insurance rate in Philadelphia?


The average car insurance rate in Philadelphia, Pennsylvania, is $2,647 per year. That's more expensive than the average across Pennsylvania ($1,475) and more expensive than the national average of $1,548. Policies are underwritten differently from one auto insurer to another, meaning that rates can vary widely depending on which company you choose. What's more, as your driving profile changes, so can what you pay for car insurance. For these reasons, it's highly encouraged that drivers shop for car insurance quotes at regular intervals to find the best car insurance coverage.

Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Philadelphia.


CAR INSURANCE RATES IN PHILADELPHIA
Philadelphia Average (annual)Pennsylvania AverageUnited States Average
$2,647$1,475$1,548

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Philadelphia auto insurance premiums by company


One of the best ways to save on auto insurance is to compare rates from multiple insurance providers and to choose the insurer that best fits your coverage needs. In Philadelphia, GEICO provides the cheapest car insurance rates for the typical insurance customer.

The coverage options that you choose can also impact your rates. While all drivers must adhere to state minimums (usually bodily injury and property damage liability coverage), there are a number of other options available to policyholders. Comprehensive and collision coverage (usually called "full coverage" when paired together) are great options for protecting your vehicle. However, they can also drive up your rates and are also subject to a deductible. In general, the lower your deductible, the higher your monthly payment. Additional coverage options include roadside assistance and uninsured motorist coverage that can help in the event of an accident with an uninsured driver. While getting minimum coverage may be cheaper upfront, adding more coverage options can leave you much better protected.

Most auto insurance companies offer policyholders ways of saving on their rates. Those looking for cheaper car insurance can often find saving in the form of car insurance discounts for a clean driving record, student discounts, accident forgiveness, and for bundling your renters, homeowners or life insurance with your car insurance coverage. Make sure to check with a representative about discount eligibility when searching for auto insurance quotes.

We've listed the best cheap car insurance companies in Philadelphia below to help you find coverage so that you can get on the road. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


PHILADELPHIA AUTO INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
GEICO$1,462
State Farm$2,090
Erie$2,130
Nationwide$2,281
Progressive$3,321

Read our guide to finding the best cheap auto insurance.



Philadelphia auto insurance premiums by age

Philadelphia drivers in their 50s pay relatively affordable car insurance rates just $2,356each year, on average. Rates for Philadelphia drivers in their 60s are also relatively affordable, at just $2,391 per year.

Teen drivers aged 16 to 19 pay the most for auto insurance coverage in Philadelphia. When Philadelphia drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Philadelphia is $4,362. That's the biggest gap in premiums between any pair of age brackets.


PHILADELPHIA AUTO INSURANCE COSTS BY AGE
Age groupAverage Yearly Rate
Teens$7,732
20s$3,370
30s$2,626
40s$2,525
50s$2,356
60s$2,391
70s$2,910

Learn more about how age influences auto insurance rates.



Philadelphia auto insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Philadelphia pay $209 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Philadelphia, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs. In Philadelphia, female drivers pay more for auto insurance than do male drivers: $0 per year, to be precise.


PHILADELPHIA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$2,647
Male$2,647
Single$2,438
Married$2,438
Divorced$2,647
Widowed$2,528

Learn more about how gender and marital status have on insurance rates.



Philadelphia auto insurance costs by incident history


If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. Philadelphia drivers found guilty of reckless driving face insurance rate increases of $1,214 per year, compared to the citywide average. A DUI violation may lead to a $1,037 increase, while a citation for speeding leads to a $282 rate hike.


AVERAGE PHILADELPHIA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DWI/DUI$3,684
Reckless Driving$3,861
At-fault Accident (damages less than $1,000)$2,887
At-fault Accident (damages > $2,000)$4,115
Speeding Ticket (16-20 mph over speed limit)$2,929

Learn more about how citations can raise your auto insurance rates.



Philadelphia car insurance costs by credit score


One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Philadelphia drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Philadelphia, improving your credit to "Fair" corresponds with a $2,066 decrease in annual car insurance rates.


PHILADELPHIA AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$5,354
Fair$3,288
Good$2,647
Very Good$2,347
Exceptional$2,097

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Philadelphia?

Where you live in Philadelphia affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Philadelphia is no exception to the rule. From ZIP code 19113 to 19132, premiums rise by 50 percent—that’s $860.

Expensive Philadelphia ZIP codes: 19133, 19139, 19140, 19121, 19132

Cheap Philadelphia ZIP codes: 19113, 19128, 19118, 19127, 19154

Philadelphia Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Philadelphia, you can expect 118 rainy days with an annual rainfall of 41.5 inches. Philadelphia is also known to experience severe winter storms.

118

Rainy Days a Year

42"

Avg. Annual Rainfall

22"

Avg. Annual Snowfall

Be Prepared For

Driving in Philly

2
Major Highways
I-95 U.S. 1 U.S. 13
2
Toll Roads
Benjamin Franklin Bridge Besty Ross Bridge Walt Whitman Bridge
2
Popular Day Trips
Ocean City Bushkill Falls Hershey Park

Find Local Philadelphia Agents

Freedom Insurance Group, Inc.

3308 Grant Ave, Philadelphia, PA 19114

TLC ASSOCIATES

699 W Germantown Pike Ste 100, Plymouth Meeting, PA 19462

CBIZ

401 Plymouth Road, Plymouth Meeting, PA 19462

Wilson Insurance & Financial Planning

1732 W Cheltenham Ave, Philadelphia, PA 19126

First Niagara Risk Management, Inc.

401 Plymouth Road Suite 600, Plymouth Meeting, PA 19462

2

$2,302

The average Philadelphian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

142

That's equal to 142 philly cheesesteaks or $921 in savings

See How Much You Can Save in Philadelphia

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Recent Questions:

Can my mom lower or cancel her insurance if she no longer plans to drive?

Unless there is a loan on the vehicle and the bank is requiring that she have physical damage coverage, she can carry the state minimum for the purpose of keeping the car legal. If she wants to completely cancel her policy then she would need to turn in the vehicle's registration tag to the state.
May 27, 2017 Philadelphia, PA

Does an accident appear on an MVR without a police report?

Typically, if the police are not involved, the accident will not show up on your motor vehicle report (MVR). However, the accident may show up as an at-fault accident on the CLUE report which is the report that pulls and verifies prior insurance claims.
May 4, 2019 Philadelphia, PA

My uninsured van was totaled by a driver with coverage

Your insurance status doesn't impact your ability to have your vehicle repaired or be reimbursed. In this case, your neighbor having "full coverage" wouldn't matter because that typically covers damages to their vehicle (through comprehensive and collision) rather than their liability which would help you, in this scenario.
Jan 22, 2018 Philadelphia, Pennsylvania

Can a homeowners claim be removed if there was no payout

No, because there was still a claim filed with the insurance company, they just didn't pay out for the claim. They had to pay for the claims adjuster to evaluate the damage.
Jan 23, 2019 Philadelphia, PA

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.